# TomoCredit

TomoCredit is an Asset Manager based in San Francisco, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** San Francisco, United States
- **Region:** North America
- **Address:** San Francisco, CA, United States
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** tomocredit.com
- **LinkedIn:** https://www.linkedin.com/company/tomocredit

## Regulatory record

- **Reports private funds:** No

## About

Credit Building Starts Here. No Credit History Required. Apply in Minutes! Enjoy Benefits & Coverage Valued at $1,300+. Build / Grow Credit with TomoCredit.

## Sectors

- FinTech
- Consumer Credit

## People

- Kristy Kim — CEO & Founder

## Questions

### How does TomoCredit approve applicants without a credit score?

TomoCredit asks applicants to link their primary bank account. Its system analyzes transaction history, income deposits, and average balances to measure ability to pay. No credit bureau pull occurs, which means a thin or missing file does not block approval.

### Does TomoCredit charge a security deposit or an annual fee?

The Tomo Black Card carries no security deposit and no annual fee. The issuer does not charge interest, positioning the card as a charge card settled in full each month rather than a revolving credit line.

### Which credit bureaus does TomoCredit report to?

TomoCredit reports payment activity to Equifax, Experian, and TransUnion. This helps users build a traditional credit history that future lenders can see.

### How does TomoCredit make money if it charges no interest or fees?

The firm earns interchange revenue on card transactions, a standard model for charge-card issuers. It has not disclosed material income from late fees or spread-based lending.

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/tomocredit

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